Tiny home financing as one major purchase.
A built or site-assembled tiny home, financed as the single major purchase it is — not spread across several high-rate cards or a builder’s in-house plan.
Fixed rates from
10.24%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- A builder-constructed tiny house on a foundation or trailer
- An ADU or backyard cottage build
- A prefab or kit home and its assembly
- Site prep, utility hookups, and delivery
Why a Lightstream loan.
Financed like the purchase it is
Tiny homes fall between a mortgage and an RV loan, so traditional financing is awkward. A fixed-rate personal loan treats it simply as one major purchase funded to your account.
No builder’s marked-up plan
Some builders offer in-house financing at their own rate. Bringing your own fixed-rate loan lets you negotiate the build as a cash buyer and skip the markup.
Cover the build and the site
A tiny home is the unit plus site prep, delivery, and utility hookups. One loan can pay the builder and the site work from a single draw.
A fixed payment, clear payoff
Unlike a card balance that lingers, the loan amortizes to zero on a schedule you see up front, with no prepayment penalty if you pay it off sooner.
Loan amounts and terms.
- Loan amounts
- $20,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 10.24%–21.24% | $323.80/mo |
| 4 years | 11.04%–22.04% | $258.65/mo |
| 5 years | 11.94%–22.94% | $222.14/mo |
| 6 years | 11.94%–22.94% | $195.19/mo |
| 7 years | 13.04%–24.04% | $182.14/mo |
| 10 years | 13.04%–24.04% | $149.55/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Most tiny homes are too small or too mobile to qualify for a conventional mortgage, and a chattel or RV loan may not fit either. A fixed-rate personal loan sidesteps the classification problem: it funds to your account as a lump sum, so you can pay a builder or supplier regardless of how the home is titled.
Yes. A tiny home’s real cost usually includes a foundation or pad, utility connections, and delivery. Because funds go to your account, one loan can pay the builder and the site contractors — size the amount to the full project.
An accessory dwelling unit is a common use. As long as it fits the program’s amount range shown in the calculator, financing a backyard cottage or ADU build works the same way — funds to your account, paid to your builder.
No. The loan is unsecured, so the home is not pledged and there is no lien — which is part of why it works for a dwelling that is hard to title conventionally. Approval is based on your credit and income.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.